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0:00 Every money problem needs to be solved with attitude first. It would be great if you could, and don't think that we can't do it, brother. I think one of the charms of finance is The truth shows us that it exists and it does. We may be familiar with the term “must have”. I think this is the opposite of being rich. Quiet, I would like to use the word "people with talent" to refer to people. It's not just about money, it's about people. Financially stable people have the potential to work. In good relationships, people are happy with themselves. These people are the ones who have the goods, so oh yeah, it will be. Born without having to show mental stability Enough to make us not care what other people do.

0:47 How do you look at us because we are happy? Ah, we are happy in our own way, we have peace of mind. When it comes to finance, there is se and the most important thing. It's not that we care but we have to be a place. Love because we love ourselves enough [song] Hello, hello, hello, Panda. Hello, hello. Phi Fern, welcome to the channel. It's such an honor to be here today to talk. With Phi Fern, you should get some good information. It's a matter of thinking about formal habits. I hope so, money. I'm glad because I've actually been following Klao. All the time, and then when they contacted me, I felt happy.

1:34 Who has the opportunity to share what they know? I think I have some experience. I believe Panda. That many people want to know today what we will do How do you talk? What's the content like? You probably know Fern and the sentence that Say that you use your strength to make money, and make money work for you. Let's talk a little bit about this idea. It's not really true. I thought about it from the beginning but it was like When we've been living like this for a while, I've been working for about 20 years, almost. I feel like, hey, if we want to invite people, Interested in finance and saving and investing Like this, what kind of resolutions can we have? At that time, it was exactly 10 years ago, exactly 10 years ago. When I set up Me Up, it was a matter of Is it financial literacy?

2:20 Then we felt that there would be a keyword. So we tried something that should be easy to catch. You yourself ask yourself, what did we do to make it so that we can do it? I have good financial health, so I feel Oh, we did two things ourselves, and that is, we used Our strength made money for a while but in the meantime Then we let the money work for us. Pall said, "Yes, everyone has to use their strength to do it." The money is there, don't forget that money works. Give it to us so that we won't get too tired. Because if we use our energy to make money, one day we won't We have the strength to work even when we are sick, retire, or do something. If we can't do the job or there is no work for us to do, we won't do it. There is money in the pocket, but if we give money to do it While working, it will also help you make money. No matter how money works, it goes into our pockets. You can do it all the time, but the amount depends on Knowledge, experience and understanding Each person has their own risk tolerance, sir.

3:08 Very much like me up, Fern. Why is it called this? It sounds like Wake me up. Ah, it's like waking us up or something. But when we talk about money, we feel that It's not about being rich. It doesn't make people rich. It's a matter of money, but it's a matter of wealth What is wealth? It is a part. Composed between The fact that we have something that we use is the fact that we invest. Capital or we have assets too, that is it It is wealth, not richness, maybe. It means that Pan might have a lot of assets. There will be 5 houses, but it's a coincidence. Each house still has debt, which means it's true. Assets minus liabilities may be small. But on the contrary, if the panda only had one house, Just now, but that house has no debt. So that means 100% asset is the house.

3:56 That panda is actually a negative asset. The debt is so much that I think the word "th" is The type that may not be easy to understand is well me up. If I remember correctly, it should be the first channel. If you use the word "leh", other people will use the word "money". Is it something like finance? But I know. I feel like it's more than that and it's a problem. Management is not just about money but It's a habit too. Oh, it's a habit today. We will also talk about personality. I want to ask you something. Fern personally thinks that P'Fern is a person who has... What kind of personality do you have when you get this question, Panda? I admit that I have to ask my boyfriend. We have been together for almost 20 years and I think we have the same personality. Where is it that sometimes we don't know ourselves, that is, we use Life goes on and we don't get to reflect.

4:42 You're too selfish. My boyfriend thought about it for a moment. And then she said that she's a planner, so we were like, Oh, that's true. I'm the one who plans everything. To your own life, from work to matters Is it money in business or in life? Actually, it is also after death. We also put it down. Everything is planned because we feel that this is What we feel is probably our safe zone. We like to plan and we know that if we have a plan, if If we can follow the plan, that's good. If we can't follow the plan, that's okay. It might be called a backstop. Right? It's like a cushion for us. So I felt that we like to plan everything. This is the story from childhood until now. As the word of consideration is the word responsibility. Yes, um, I think that's it because of that.

5:30 It's a big surprise that Fern didn't just think about it. Where we live but plan even the day What we are leaving is our responsibility. Continue your life and body with the same Please don't donate your organs since you're 10 years old. I think he was more than a year old or maybe 20 years old when he was there. Sophomore and third year university. I happened to have the opportunity when my father was sick. Middle school, right? And my older siblings were close to me. With the hospital, we go back and forth every day, so we can see it. Then he said, "Oh, the hospital has sick people." There is always a need for something which At that time, we had no money, so we went. After studying, I know that the organs of the body We, the ones we use every day, if we take leave After this world, it's still useful, brother.

6:16 Then I realized that, oh, then we just donate our organs. Which has both body and eyes and so on. Like this, and donate blood if you have the chance. Because I might not be very strong. Something like this every time I donate blood, maybe Sometimes I feel unwell so I refrain from donating. That it might not be good for our health but what? We did what we could, so we felt like, oh yeah. Just plan ahead and tell people. Surrounding us that if we are not here, this is a card. Donate as many organs as you want. Don't forget to take care of it. Something like this including when you grow up Whether it's about money or even business, yeah. very good Responsible for yourself and others Because I want to know what happens if I assume that Phi Fern Choose 3 good financial habits. What do you think it is, Phi Fern? Actually, it's...

7:03 I learned a lesson from my father's house. Always teach that there are 4 words: diligence, honesty. Save money, but if you ask for 3, we have to When it comes to finances, you should be diligent and frugal. And then I can't help but think that the most important thing is It is hard work that makes us earn money. Make inflow into the pockets of our hardworking people. Is this good enough to work as a regular employee? Freelancers will be trusted to do many things. Work from regular clients or business owners Don't be afraid because diligence will make it happen. He has a steady stream of customers. The saving part is to make outlow. Out of the bag that means that if When we save money, we spend less than we need.

7:49 In the end, the money we spend is less. It will lead to starvation, so it becomes 3. Habits that I think are continuous Unintentionally, I'm good at making money and I spend less and save money, so I am diligent. Save money. Actually, it's about being diligent. It is a very important foundation, but Between diligence and financial knowledge Between these two things, which one do you think is more important, Fern? I think they are different parts. As a pair, like we just talked about When it comes to money, I think there are only two words: Inflow and Outflow are money into money. This is just the issue of personal finance. Personal finance is money in your pocket. How much is the amount? How much is the amount? Finance Between legal entities, it is the company that has income.

8:37 Spending which will become net profit Or is it international trade that imports? Exporting today is also an issue that hey it The issue of taxes arose because he lacked The balance is that money going out is more than money coming in, that is, if we Understand that money only has inflow and outfow Money goes in and money goes out. We will go in. It's easier to understand other contexts now with this panda question. Say, "Oh, so you're diligent and understanding?" Which financial knowledge is more important? I think diligence adds to the information. It will make money go into our pockets. You can get more, right? But if we are diligent. But it just so happens that we are good at using outflow. It keeps going out and it might affect your finances. We can be bad and also if we spend more than we earn Even in debt, but with financial knowledge

9:24 It will get both legs. The first leg is if we have Know more about us and earn money From diligence, right? It will make money come out. From the slower bag, for example, we have to lose Taxes, for example, if your income is 40,000 baht per month. We might pay about 8,000 baht in taxes per year. Baht, but if we have financial knowledge, we use it. Full deduction benefit of 8,000 baht This baht will not leave the pocket. It will prevent Outflow from disappearing. Outflow does not Exiting is equivalent to having 8,000 inflows. High income, for example, income of 80,000 baht per Month is equal to the year we pay taxes. This one is more than 70,000 baht if we reduce it. The full tax deduction means Outflow More than 70,000 baht will not leave your pocket.

10:10 That means that in addition to Outflow not being equal to INFRO is the opposite of what I'm used to. Anyone who has financial knowledge will know. Hey, being in debt has a cost. Being in credit card debt is an interest charge. Set 16% per year on 20+ cash card debts What is the annual percentage? This is especially true for informal debt. So if we know, then we will know, right? I feel like, hey, then we should outflow ourselves. Don't get into unnecessary debt, which is like this. That's where financial knowledge helps. Our outflow is better, meaning it doesn't flow out too much. The other leg also creates inflow for us. Because if we have financial knowledge, we will know. Where should we put money, for example, a panda? Tell me how Panda saved money today. Some deposit in banks, yes, that's right, most of them do.

10:55 The bank also gets interest on savings deposits. We will get 0.25 0.35% 35% per year just for us. I have gained a little bit more knowledge, not a lot. Just deposit in the bank but change from cash. Savings deposit is eaving deposit. The original bank has deposit protection. As before, the interest rate immediately increases to 1.5% 5% per year, it has increased 5 times. Ah, without doing anything new, just move the account. That's it, I didn't take the risk because it was Depositing money is the same as knowing Finance makes the interest rate inflate. It came up in our account so I think 2 These legs should go together, but if you ask me, it's water. Which weight has more effect? ​​Brother Te gives knowledge. Finance: As I said, if you are good at earning and diligent,

11:40 But without knowledge, it may be unhealthy. Good finances are also important. But if you have both, it's even better because sometimes If you only have financial knowledge but are not diligent, If we look at it, it might still be slow to reach our dreams. Yes, that's right. What kind of personality do you have that looks like? It seems like a small habit, but in reality, This has long-term financial implications. So I think it's an important habit for The new generation is waiting because We were born as brothers and sisters of Generation Y, right? Generation Y. This little panda probably isn't Gen Z. I'm still a kid. Can I ask you when I'm young? How do we flirt with each other, my friends?

12:28 I also got some experience from my friends. Is it like this? Yes, right? Dir IG Is it true that seniors flirt with each other? We don't. We have a mobile phone, but we only have a landline. Sending a letter depends on the situation, for example some people might Sending a letter may be a bit Gen X, but Gen Y may need to get to know each other first. There might be a little bit of friendship and seeing each other's faces. When we talk to each other, we have to make phone calls. That landline means that parents might You can accept it or sometimes the telephone company. We have two home telephones, right above? One of the parents' rooms is downstairs from us. Talking on one device while we receive that parents You might be listening too, Jane Wai, everyone.

13:14 It's very familiar. We'll have to wait and see what the sound is like. Quiet, is Dad listening or something? For example, there will be a waiting for the person. When a man flirts with a woman, I think it's Jane. It doesn't take days to get a girl to flirt. Sometimes weeks, sometimes months or even years. Because it takes a long time to talk to each other and meet each other. You can't meet all the time. Because before we meet, we have to set a time and place. Of course because we don't know if we go I found this storefront at this time by chance. There are many branches of this shop now, but they are not open for appointments. We can't contact each other anymore. You'll know later. I already went home. Why did you call me today? We're waiting. She hasn't seen me for 2 hours, so I'm waiting. Yes, it will see the value of your points.

14:00 If we can wait, we will appreciate the value of things. Similarly, when we go back to Jane, I think the divorce rate is very low compared to With Jenny, it's because we don't flirt easily. It's not easy to become a couple and not meet each other. It's that easy, we know it's hard so we see it. It's worth it to call this person a flirt. I have to make sure that I really like you. I will take 6 months and 1 year like you. It's like talking to your girlfriend for a year or something like that. It's like we agreed to be lovers or something. It's a waste of time to get there, isn't it? When we waited for a long time, it became like, oh yeah. We feel that it must be true and we will We want to preserve this relationship because we know that It doesn't come easy, just like in the case of The money in my day was so great that it took hundreds of baht to get to a few hundred.

14:49 Tens of thousands to hundreds of thousands, hundreds of thousands to hundreds of thousands. After investing over a million, you will know that the returns will be positive. It's deleted because there's no internet fast enough. Check in real time, brother, before you know the results. Sometimes the return is negative 50%. It goes through. Will the rep be sent in a month or maybe 3? Month send 6 months send so we have to Think carefully before investing in anything because it is not time. If we can wait patiently enough, we will know that Hey, the value of what we put effort into Put our energy into our relationships. Put our money in there, it must be valuable enough. If you can wait, it will be considered more carefully. We don't rush into making decisions too quickly.

15:35 Then he came back and said, "Er, if you wait, It would be great because it's something that people of this era This may be unfamiliar because everything is It's all too fast. What do we want? Line, order, call. Ordered a friend for 1 minute and he didn't come anywhere but then I've been waiting for hours and I still don't know how to contact him. No matter what, it turned out that you said that. Waiting is great because we get to choose. What we will put money into, what we will Spend some time with it and it will be more gentle and It's more meaningful to us than just talking about waiting. I can wait for the world where everything moves so fast, right? We just wait. Some people might feel like, hey. We are out of touch with society. It's like this.

16:20 That's right, what is your perspective, Fern? I won't argue that it's really true. Well, waiting too long can lead to mistakes. There are some opportunities, but I believe there are some. Some things can wait but some cannot, such as if We talk about work, if the opportunity comes, we will. You should grab it, not help your friends. Answer him that you will do or not do something like this, right? It may take some consideration to consider some As we can wait for such a thing in the matter of My brother said that we should wait and not rush to make a decision. To love someone or deeply with someone Something like this in terms of finances. For example, if we make a decision too quickly, we don't There is a safety margin like we don't have money.

17:07 It's an emergency reserve, but we took all the money. That has been invested in very risky assets And then when the market falls, it's equal to all the money. What we have is gone like this, shouldn't it be right? But some things can't wait, such as in development. Ourselves, in doing our best. Work or even when we see an opportunity Try it now, trial it now, use the technology to help you. So it can be parallel, that's why I think. I think it's an art. In my era, it might have been used. This is how it works, but in Pana's era, she also said that Yes, that's true. I also saw another side of what was said. Waiting too long won't work, but it has to be done. Be careful because today what I saw was Mental health is something that people in this era have. I think part of it is because we are in a hurry. And it seems like too much of a comparison.

17:54 Because we feel that that person is also successful. This is good, this person is good, that person is good. This way, it tries so hard that it forgets its value. Because some people are the ones who are truly successful. Today, the media may be a person who is agile. It's fast and in front of the media, but there are actually people. After the media, there was a lot of success. It's done but we just don't see him anymore. Thinking that the person behind the camera is the same as not being successful Which is actually not true, so I'm telling you. That we might need to look at the world more broadly and then we You will compare yourself to others less and come to us. The core of oneself and mold it into something We have become stronger. Very good advice and like before. Panda said, "Oh, it's very clear when Fern sees it." He said that when Fern invested, it took a long time to find out.

18:40 That it's negative, it's been a month, it's made it Panda saw one thing that hey, before we suffer Ah, it's slow, but every day it's like, go in. Almost like some people are always monitoring. Sometimes I'm sad, sometimes I'm happy. Yes, that has an effect. I really want to ask P'Fern about mental illness. One thing is that as Phi Fern is with When it comes to finances, some people are concerned with Okay, money is a sensitive matter. Each of us may not have the same amount, but As for us, we've probably heard, hey, but We all have the same 24 hours. When we want to ask Fern about her perspective Fern, Sister Fern said it was time. Is our property considered an asset? I think it's the most valuable asset in life because

19:25 Oh, let's say the panda doesn't know how to walk. What will happen to you if you leave this room? Even though it is correct because 24 hours are equal in part One and it is my brother that it is also a charm of Life is because we really don't know what we will never have. When will our time run out? No one knows. Tell us, we still know that we are 60 years old, but we... We don't know whether we will live until retirement or not. So how many more years will we live after retirement? Someone told me that time is valuable. It's like some people like to say that they have 10 million baht. Millions were bought yesterday but they didn't come back. No matter how much money you have, you can't I will be able to get back my own time that has passed. So, the most important thing is that I like the word person.

20:11 is present is the present. The gift is if we keep worrying about the past, thinking about it The future will waste our time because we don't I know that the future will come, but the past cannot be changed. If you're doing well, do this. It's the best. Okay, but... Speaking of dealing with finances every day, Yes, it is subject to fluctuations. All the time, all the time, every second, oh yeah, put it down. How are you, Fern? Because Fern told me. A But we are dealing with what is changing. All the time, I think that the charm of finance is like One thing is, it is the Dharma, it makes us see that It has ups and downs, it has peaks and it has bottoms. It means that sometimes our lives may

20:56 It's even more stable than the financial market. Still see that it's okay, we're getting older every day. It's been 10 years, 20 years, 30 years, but The money goes up and down like this, it's like a sawtooth pattern. But I believe that when we look at the world of Narrow-angle money means if we look at just 1 hour 1 One day, one month or one year, the graph will be like this. Swing like this, but if we extend the time by 10 The graph will be like this in 20 years, 30 years, 100 years. It gradually increases like this, but if we cut it, it will be like this. In this way, I think it is the truth that we see. Narrow means short-sighted, one year, two years, five years or we see. Length 20 30 40 Perspective is different, so brother. I think it's telling us that it's okay in the short term.

21:44 In the present or in fluctuating moods It's just temporary, it will pass. It's always been like this since the financial crisis. Ah, 1997, our local Tom Yum Goong, little Panda. Were you born in 1998? I see, little panda. It hasn't happened yet, right? The economy is really bad. It's completely broken, right? We might not be able to feel it. But we will be able to touch every Brahmin. Sappram is still a child, right? 2008 And the most serious one is COVID if we are in At that moment, I felt that it was suffering. It's so bad that it's unlikely to recover. But it's been 5 years and everything is back. So if we step back and look further,

22:29 That the financial world teaches us a lot that it's okay. It just arises, exists, and then ceases, that's it, right? Yes, you have to be mindful, right? You have to be mindful, right? Because listening to Fern, even though we I'm with finance but Fern doesn't have it. That kind of greed is what we have to see. It is increasing all the time but we have understanding. It said, hey, it's going to be like this, but we put it down. We can do it because we know that the long game is real. However, it doesn't mean that you can be confident from the first day. Yes, I have to tell everyone before entering the market that there is... Greed is there and because when it comes to money, People will mean they want to be rich or not if it's easy. More importantly, if you want to have more money, you will be rich or not. You may not know how rich you are, but the money in your pocket must increase. Is that right? So the first day I entered the world

23:16 Finance, I want to be rich, I want to get it. The return is 10-20% per year. I'll go look for it too. As for individual stocks, I also play everything that they offer. Says it's good to get money fast but asks With the time that has passed, it's been almost 20 years. Years and we know that those things are It may not be suitable for us, but I'm not saying it's not good. I think some people can live with those things. Good, some people are not suitable for those things, I am. For the latter group, the most important thing is to know yourself well. Than we tried it and then we felt it It wasn't us, so we stepped back and tried something new. It's not like we step back and try something new when we're older. There are more, so we can try more than we can. So if you know what's not right, cut it out. I use this method. Cutting choices in every aspect of life It's about work and money management.

24:03 Or is it a personal matter because if we don't Let's try it and listen to my brother and tell him, okay, then let's go. Trading, buying risky assets, investing Technical capital doesn't work if the timing doesn't work. Because it might work for some people but Not for me, I can't sleep, you know. I feel like, hey, when I wake up, our portfolio will still be the same. Is it original or will 50% of the money disappear within? Something like one night if that's the case, bro. If you are uncomfortable, then don't do it. Cut out the things that I feel uncomfortable doing it because there is a way out. We like it ourselves, believe me, because it's the era Which some people might say is high risk high. return Yes, I dare to take the risk, Phi Fei said that. Is it dangerous or is there someone who says, hey? I was also successful with this, brother. That in the end there is only one word that no matter who Which line do you use? You have to have discipline.

24:50 It is a framework, such as assuming that someone is a good planner. Oh, you're really good at planning, but you only make plans. If you don't take action, you can't be healthy. Good finances are the opposite of those who are not. Plan and do it over and over again, but in the end, he will... I know that this is just him, his style. And then there's the way to make him wealthy. He might succeed or another person might. Is it a speculative trading line or a technical line? He might invest and be successful because He has discipline, which means doing what needs to be done. Even if you don't want to be disciplined, it's a charm. One thing, everyone knows that exercise is good for sleeping. Fast and healthy eating is good for your health. Saving money is good, but we don't want to be disciplined.

25:36 Doing those things is like imagining if it is Technical people will have to set a cut loss. He said that his loss should not exceed how much? Percentages like 10%, 20% because he knows that If you lose 10, you must get back 11 to get back. Same as before, Loss 20 must get back 25 to get it. Go back to the original or if you lose 50, you have to take it. Return 100 to return to the original amount which is This night was very difficult because it was down. There are a lot of them, so the important thing is that they will use it. Do you have discipline or do you have to cut 10 points? Let's make it worse so he It's possible, but it's just not P's style. It's about investing. I want to know your perspective. Fern said that between the words "investment" and "thousands" Is there a fine line because some people might invest?

26:22 And then hope that it will return to become Is it gambling? I think it is. The fine line is the possibility of Investing has a feasibility factor. It means we invest in stocks, we know stocks. No matter what happens, the business is doing well and the economy is doing well. It goes well, can sell, make a profit, the stock goes up like this, right? But gambling doesn't make sense. Of the possibility of whether we will get it or not It's all luck, it's 1 in 100. In a million, we will win the first prize. The last two digits are not possible. There is sufficient reason to support that, hey, it exists.

27:09 What is the opportunity? It's all a gamble. I said that I don't have any background, so I'll just soak it here. So I think that normally we might like to say Hey, poor people play tricks on the rich, and the stock market plays. I don't think it's because of stocks and lottery. It is a gamble and an investment, they are two different things. The thing is, stocks are an investment, right? We know how many businesses we have to support to make a profit. Customer revenue growth is what tells us. That's how the stocks will go, but playing the lottery is like this. Gambling tells us nothing. Whether we have a chance of being right or not, what is right? It depends on which number you pick and what you dream about. At the end, is that lottery ticket ours? If you repeat something like that, it becomes like, "Brother."

27:55 That there is a thin line hidden in this era. Yes, we have to be a little bit mindful and just do what we can. Okay, so with finances and some things. The important thing is that you really shouldn't get involved in everything. Yes, except for investing in yourself, I think it's too much. I think that investing in yourself gives... Returns so high that no other asset can replace them Suppose we invest in gold. Cryptocurrency can be used for business or not In stocks, we might hope for a turnaround of 2. The main thing is 20, 30, 40, 50%, etc. There is a risk of loss but investing in yourself You yourself, there is no way that you will lose.

28:41 There is no problem, but the criteria are unlimited. There is a ceiling, it can be 100%, 200 or 1000% is possible depending on how much we invest in ourselves. Being in the right place at the right time is what it is. Is there a market demand for this? If so, I think that's really interesting. You can elaborate more. Phi Fern, because Panda said that many people are like this. Self-development line or even people who don't Now that we're on this line, we'll hear the words. Talking a lot about investing in yourself It's not a loss, but it's an investment in yourself. What kind is possible? I think it's concrete. It's about how much time you spend each hour each day. Let's do it as best as we can like 1 This hour we have improved a little bit. We have

29:27 Do you know anything more that might It will be different for the perspective we use to consume. The media today because I believe that one day This media is moving very fast, right? Especially It's free and it's a shot or something. The AI ​​mechanics are what make us able to To choose what we are interested in and then come back to it. Repeatedly, the day we are interested in finance, brother. I believe that the financial feed will come back. Develop us repeatedly on the days we are interested in the matter We will get a feed of drama in the online world. These are the same days when we are interested in the subject. Develop yourself, whether it's time management Dealing with life challenges or even When it comes to learning languages, it will help us. These things are being developed further and further. In my opinion, it's 24 hours.

30:15 We can try to allocate it as Time Boxing. Well, Time Boxing is just a matter of framing it. When do we develop ourselves and when do we rest? What time do we play? What time do we give rewards? Myself, because if it were really like that, it would do it. Let us be able to manage ourselves and have Benefit yourself from everything you consume. Every day, I'm the kind of person who likes to do things a little at a time. I've done it before. The name of the program is Reove because I believe that it is not necessary. I do a lot because I'm not the type of person who's super fit. I only exercise for 15 minutes a day, you know? Just meditate for 10 minutes a day, that's not a lot. But when it accumulates, it will make you realize, oh, when it's time. When it really takes force, the body We are strong enough to fight against diseases. If we can get hurt, we have enough concentration to fight it.

31:00 The challenges that come with it are the same. When it comes to finances, save 10 baht a day. You can earn 300 a month, and 3,600 a year. It might not be a lot of baht, but 10 years is fine. Tens of thousands, especially if we invest it or We will have more money to add each day in the future. It could turn into hundreds of thousands or even millions. You can make a million as well, so I thought I'd do it one at a time. A little but consistent is to remind yourself. Hey, today we are better than yesterday. Or are we better today than yesterday? Or is our mind better? Is our potential better? Is our relationship getting better? Is our health better? Are we getting better talking about panda relationships? I really want to invite Fern to talk about this because In fact, finances are related to... Another relationship is that there are many families. Or many people whose finances are destroying their relationships

31:49 What is Fern's perspective on this? Yes, I agree. I have people around me who I know the type that asks because I saw us doing something. Finances, yes, with family problems, that is What kind of husbandry is this? Big ones will be a problem that causes incompatibility. We are in a good mood or it is heavy. It is a drug that is abandoned. My brother just left. I looked at research and it said about 54% of the Drug denial in the United States arose because of problems The matter of the opponent's debt, such as, let's say, Women and men, if the man wants a divorce, then Because women have too much debt I want a divorce because the man has too much debt. This is more than half of the reasons for divorce. Wash it and if you haven't gotten married yet, Being a couple, 40% of couples are lovers.

32:34 This often leads to worse relationships. Because they have different financial attitudes. If you ask why it is like that, I think it is When it comes to finance, especially in Asian society, Moreover, it is a sensitive matter. We don't really ask, hey, how much does she earn? When did you get your debt? Oh, your house is okay. No, sometimes it's not just two people. And then when it comes to marriage or something, Being a life partner means that there will be responsibilities for each other. One side is involved so that It's important today, I think we have to release it. Locking our old understanding of money Don't talk about it because it's sensitive. If we are sensitive, we will quarrel and he will think that we are

33:20 If we are greedy, they will think that we want something from them. Something like this might be an understanding. It can be the cause of the problem if we understand it like this. That's right, the important thing is to talk things out clearly. Before you start with your financial habits, don't forget that we are people. If we are like this, it is difficult to change like us. When we are good at using it, we like to borrow it from others and then we don't like it. Wait for something like that if it's like that An event where you already have a partner and are married. These habits may not be able to be changed. It's easy, the important thing is to talk things out. Since the beginning, my boyfriend and I We also do financial matters, so let's talk about it. So what will the income be like if we get married? So how do we manage the commerce? We manage it separately. Manage together, which lump is the central fund? There are some that we will handle separately.

34:07 Or is there any area where we can help each other? Sometimes, once we get married, we take the money. Half of the people come down to be like a family. Fund is to say that this is money for Family, if we have children in the future, then We just got married and planned to have children, but that didn't happen. Yes, so I used this lump at first. So the child uses it with the family, such as taking his mother out. What are you going on vacation to buy things for the house? Or if the house needs to be repaired, it costs money. This lump is the root that makes us understand. Things got better and we spread out since then. Before getting married, but if many people say, hey, get married. What to do when you get there? Fern thinks that the important thing is We need to talk openly because this is something More important than what the numbers in the account are Communication and if we don't take our standards

34:53 Judging others makes it much easier to talk to them. It's because of my brother, as I said, because of my bad attitude. It is using your own standards to judge other people. This is a past job, right? Today I know for sure. If we take our financial habits that we are good at saving, We are so stingy. We invest every cent in the forest. Go judge other people about their financial life and family. The relationship will not be happy at all. It has to be relaxed. Do you understand and accept it? That 2 people come from different families It's different experiences and lifestyles. It may not have to be the same, but we have to. Understand them and accept them, that is, if you understand them but It's hard not to accept it, and if you don't understand it at all, brother. It's extremely difficult, so we need to tune the files. It can't be done in one day, but it is possible.

35:38 Let's talk slowly. Uh huh, but when we are going to have a family Or is there someone who truly loves you, and only has love? Well, it's not like we're really going to have it. Some things have to be exchanged, right? I can't take it all. I think we have to make some sacrifices. And then, um, but it depends on the person who is there. Are we both willing to sacrifice? No, because if one person only takes, the other person gives a gift. There's only one person like me who will tell me. I said that I have to give it to you all the time because it's tiring. That's right, it's already like this. Not just the world of a couple but also a family. It's like, oh, it's your parents today. I just realized that there are many houses at once. Who may have a heavy burden from their family

36:27 Want to support all the time, the important thing is We need to clearly communicate that we support it. As much as you can without causing too much trouble for yourself Because I have one case that I can tell you about. It's because he's my friend who wrote it. What he later found out was that it was a dual carriageway. His life requires a lot of support from home. More than the income he earns because his family has Requirement all the time that this month I ask for the same amount This next month, I just want one more, which is more than enough. This is not even counting the income he earns. So how should he live his own life? What happened was that debt was created. From systemic debts that started to escalate into external debts The system then began to affect the happiness of life.

37:16 And then the relationship until the root is cracked Why did it take so many months? Ultimately, the solution is communication. If you understand, take everything he has. Put it in an Excel table and help me see what it does. It worked out a bit, but in the end it just cracked something. Don't just leave one thing that is not easy but must be done. I talked to my family and said that the old way is not possible because That the whole house is broken because It didn't happen from his son's potential. But it comes from excessive desire. Even potential must be discussed directly to make it possible. That's it, I can't take it anymore than that. After that, he gradually cleared his old debts until Today is probably 2 years ago, everything is the same. Ultimately, it boils down to more than just a matter of

38:02 Numbers are a form of communication, so we have to speak. Yes, I think if we don't say anything, it means we give in. Accept what we are facing that may be beyond Until we can accept it, in the end it's the person who is burdened. In the end, we are the ones who speak, but we must have art in our speech. Talking is right, otherwise it's another fish house, right? We must or may need an intermediary to help us speak. I can't do it alone because I understand the people in the family. Sometimes the hardest thing to talk about is to ask Fern Nit. One thing is that Panda is talking about finance. This must have something to do with money circulation. Ah, some people, many people, have money circulation. What kind of money circulation is Health? Or what kind of money circulation is done continuously? This is debt. This revolving fund is debt. And then you still use it, right? Just spin, right? Spin.

38:50 Liquidity Oh, liquidity is okay, I think. Well, if you start circulating money, it's not that easy. Healty and personally, I think that people who Healy's financial health has 2-3 checklists. Point 1 is that we make a record of income and expenses. Before you check yourself first, it's like What do you know? It's like we're having a health check. We do it almost every year, especially if someone is there. His company will provide benefits, right? We rarely check our own financial health. This physical health is still known. There are still blood values ​​to tell. So is it cholesterol or diabetes? What is triglycerides, right? But if it's healthy Finance, no one helps us check what we have. What you need to do is to help check yourself. The easiest way before answering your question is to make a record.

39:37 And take the basic expenses first, that is the money that At least you get the money that comes out. It's the worst possible equality. It has to be the best possible equality. A little bit means that the money coming in is more than the money going out, which is good. What's more, you also have emergency savings. That means we need to have savings. Keep it for at least an unexpected event. The lowest price is 3 times the cost. Per month, for example, suppose Panda says that you use If you pay 20,000 baht per month, you should have 60,000. The baht is still stable, but if you spend a lot If there is 30,000 baht, then there must be 90,000 baht, just stay still. Which we should collect this first. Before you start investing in anything, because If we don't have emergency savings, something like this happens. Unforeseen events, such as situations that occur

40:24 Is there a problem with the company we work for due to COVID? That we need to spend a large sum of money on medical expenses This nurse will save us from having to go. Revolving money without having to create debts with costs It is not necessary because don't forget the word revolving money. It means that it's an emergency, which means that we It takes money but there is no money, which is the way to turn it. Each person is different. Some people find it cheaper to pawn their items. Sometimes I borrow money or use a cash card. Which means that the total cost is high. It depends on how urgent it is and what we have as a backup. Is it a nest if we have an emergency nest? It will decrease because of taking out emergency funds. It can be used, but if there is none, the more urgent it is, the faster it is. If it's urgent, we are willing to pay very high interest.

41:11 But that day we really needed it, but when it came, When we want to use it back, sometimes we don't. You can find it, so today is the first day. To turn the money around, if you still have time to start, I'd like to give it to you. Record income and expenses, deduct expenses It is necessary to use it as emergency reserve money to divide it into daily amounts. 10, 20 is still good, 100, 200 a day is even better. So that at least there are 3 The month is warm if we start to feel it. Stable and can be extended to 6 months if we get it. I think I'll gradually learn about investing. It's a gradual process like this so that it doesn't happen. Tired of turning money around, tired of turning money around. I think it's something that many people need to do, but If you don't want to do it, then don't put yourself in that situation. At that point, with planning and preparation

41:59 It's better to be safe than sorry when there's an emergency. There are two questions that arise between people who He might be in a bad flow. Yes, Fern has done financial work before. Is it true that every problem can be solved? I think the problem with numbers can be solved. If it's a problem that's more than just numbers, such as: It's a personal thing, like, hey, they're talking. Is it really not a good attitude or something? We have talked to our family and friends but That it really doesn't fit together in this matter or something. This is the case of overspending. Unnecessary debt or something like that This is too risky to invest. minds. It's not easy to fix, but I think that if We intend to solve the problem and connect you when you have a chance.

42:44 Change some people's perspectives. For example, let's say there's a younger sibling who's like, "I think so." Look at this clip. I have many clips. He sent me a private message saying that Fern was watching. One clip and I feel like I travel everywhere. Every week I have to spend money. Thousands to go on a trip with my friends, I see. Ah, I feel like I want to save money and because Every month I have nothing left but if I were to tell you My friends said that if I don't go out, they're afraid that they won't hang out with me. I feel like, oh my mind is starting to... Adjust and he feels that money is important but friends It was important, so he asked what to do and I told him If you want to be raw, the easiest way is to gradually reduce from Travel every week and save 1 week per month.

43:31 Did you get that 100,000 baht to collect from your friends? I said yes and if it's still happy, it'll know. I feel like I haven't drifted apart from my friends and I haven't become one. Being a person without friends, we can still keep The more you can get out, the less you can compare with it. The more friends you have, the less happiness you have. If you invest, the money will increase. If you can do it, it's good to have a younger sibling. One of them happened to go for a walk at the market, right? There is a mother on Sukhumvit Road. She said that He said that he has been following the program since high school. He also told your mother that he wanted to buy a mutual fund. Mom said no, son, what kind of mutual fund is that? Taking risks even though at that time, my younger sibling only had a few hundred baht. ten Per day, but my sister told me to trust her mom.

44:20 What's so good about long-term investment, Mom? He said that he also opened the clip to listen to it. My brother walked past and he told me about you. Fern, come here for a moment, something like that, so he said In the end, he said that 2-3 years had passed since Every day, junior high school students turn into high school students. My mother told me that she understands about investing in funds. So I told my younger sister, "Okay, I'll go now." I opened the port because my little sister took the child. Still can't open the port, have to use your mother's name. So I come to ask my mom every day to save money. It's only 20 baht each. It's only 20 baht each. I get 500 baht a month because of some people. The minimum is 500 baht but the minimum is 1 baht. Yes, you can try to study it and have your mother buy a mutual fund. All in all, this is an attitude that says: Well, it can actually be changed, but it takes time.

45:08 And then use your knowledge and understanding to say that if It's a number, it can change. Attitudes can change too. It will take some time. Or the latest one is that there is a younger sibling who is 19 years old. Just made a clip about how to start saving money. A little bit is fine so that you don't get too stressed out because That our desires are still there, they are still there. Like wanting, having, buying, liking, wanting Are you traveling? He said I got it today. And 10,000 baht for 19 years old, 10,000 it is. It is money that he is very proud of because he got it. Just tens of people per day and people already like it. I gave a lot of encouragement to the young man, saying that he was a good person. It's not hard to become a millionaire. It's like saying, hey, every money problem. I'd like to ask if it would be better to change your attitude first. A lot and don't think that we can't do it, believe it, it exists.

45:55 person Those who have different financial habits, for example. At the end of the last 7, one of them is the person who continues. Resist money whenever it comes to money. He said, "Are you the one talking about money?" Fern, if you want to be rich, you have to take advantage. Others to get rich, there really are people like this. No, I won't argue, but if someone thinks like this, Or if we are already thinking this way, we know I feel like I can never get out of debt. I don't have any. I can't have good financial health. There is a way out of the financial cycle that is not enough to circulate money. We can't do it all the time if we think like this. It will keep going around like this because it's the law of attraction. If we think like this, it will pull like this and then pull. If something bad happens to us, the roof will leak.

46:43 Sometimes the house will crack, sometimes the paint will peel, sometimes If you get sick, you'll come back here and there and so on. It's full of this, so it's important. First, adjust your mindset to the point that everyone has good health. Good money is possible. Fern is a person who doesn't Fern was born into a high-class family. Fern had to borrow money to study because My dad passed away early, so I had to stay with him. A single mom who didn't have any children at that time So my regular job is to openly sell things. So we have to help ourselves with this. So I borrowed money from the Student Loan Fund to study, but that day I was stuck. I remember the debt. The student loan debt was several hundred thousand baht. Same but when we start to enter the world We feel that the money is okay, but we have to pay the debt. The money must be saved so that it can be used up, but if

47:30 We think I can't do it because I am I can't pay hundreds of thousands in debt because I wasn't born rich. If that's the case, then so be it. That I don't have a chance to come and talk to Gao Nai. Today, because we are still stuck in the loop That's why it's not possible, ... you're the one. With you, she was born with something good because So, first of all, I have to adjust my mindset. And believe me, it really works, bro. One person happened to go on a meditation retreat and became a... The admin of the meditation center told me this. Fern, do you know how to keep a record of your income and expenses? You told me to make a 3-month note, right? I made a note. I gave up after 3 days because there were only positives. The only amount is the remaining salary, it's all gone. Is it Panaket? We only add at the end of the month. But every day it gets deleted, hey, 30 cases were deleted in 3 days.

48:19 How can you have the motivation? But tell him that I did it. I did it for 3 months. Then you will see what can be cut, which he also Say yes, it's true. Recently, there was a young person I talked to. Like this and then he said, "Phi Fern." After talking to Fern, I went to cut the water bill. You can and you don't need a lot. Normal water bill is 3 baht per day. I buy a glass of glass a day with my brother. The two missing glasses are worth 100 baht. Baht, the money we don't use is equal to money. More goes into our pockets so don't think about it. That we can't do it, it's just that we haven't done it yet and We haven't seen anything that's fuzzy yet. If it's in your head, it will come out as something concrete. I tried to write down the additions and subtraction in my notes. On our mobile phones, we can do it too. When we see a lot of negative things.

49:06 After about 2-3 months, we will circle and say, "Oh, one day." Three glasses of water and ten meatballs in one day? Oh, something like that. One day, my brother liked boiling his ears. Boiled ears, in the past, boiled ears 3-45, 5 pairs? Something like this we will see and when we see it, It will be easier to cut when we can't see it, so it will be smooth. Oh, so I think everyone can do it, just ask. Intending to do something like we just asked a question Ask another question to someone who already has responsibilities. Yes, it is like that for people who don't have it yet. It's a burden, but he might have good finances. Credit card offers are a thing If you get a cash card, hey, life is good. It will get better. What is your perspective, Fern? Credit cards are very good if used wisely, bro.

49:53 I am a person who has never opposed credit cards but I would like to stay with 2. Pay in full and pay on time only if you can do it. These 2 words are enough but if you can't do it, you have to pay. At least you have to postpone the payment. That is a danger. The disaster is that instead of being a benefit, Or will the good benefits become Very high risk because the interest rate is 16%. Per year, let's think simply, if we assume that we are The credit card debt is only ten thousand, Panda. But in the end, we only paid the minimum. It will take 10 years to pay off that [ __ ]. 10,000 is all gone because it's the minimum. Make the remainder be charged with interest. It will just be interest on interest. Compound interest has two angles. You get both angles.

50:41 Of the returns we get with the interest angle That we lose from credit cards or other debts So credit cards are good if you can pay in full. Pay directly and get something that we have 100% cash ready Pay but we choose to use only credit card to Some benefits such as chakae points or I said 0% installment is good but if we don't have cash ready Pay the full amount, don't use it because you haven't paid yet. Try to be patient and save it first, for example, if you want to. Let's say you're buying a mobile phone for 10,000. Or 20,000, try to be patient and save up for 10. The month is the month when you say you'll go back to your little habits. If you do it, you will know how brutal it is to get it. It's hard to come by, and when it's hard, we'll take care of our phones. That machine is so much that I have waited for it for a long time.

51:27 It's something that will make me want to get you. If we use it sparingly, we will know that How much does it mean to us? It's a little slow, but it's worth it. It's really good. It's the word. It's just waiting for it to be. But I still want to be in society every day. We need to understand personal finance. Yes, we have goals and we have expectations. For Phi Fern, it's not like we just wait. We have it. The goal is also correct and set. And then we have to kind of cut it off. The opinions or views of people around you are quite correct. Is it possible to stay on our path? Uh huh, it might not be easy, but I believe it. Actually, I have one issue that I'll really talk about later. Panda also asked, but I'll answer right away, the word "rich".

52:15 quiet I think this word comes from a comparison. In my perspective, we may be familiar with The phrase "It's a must have" is right, I think. It is the opposite of the silently rich that I would like to use the word. That people with talent believe that people with talent are not just When it comes to money, people are financially secure. People with potential to work, people with relationships Good people who are happy with themselves are these people. People have things so it won't happen to them. It must be shown to the people who have it. It is It means he has and maybe deep down he doesn't. It's okay, I think it's a way to not have to show it.

53:02 But it has its own aura when trying to tell. I said I have it but I don't know if I have it or not. I said that people who have it won't show it, but I think that... Sufficient mental stability will keep us from I am interested in how other people view me because We are happy in our own way. We are happy in our own way. We already have financial peace of mind. The most important thing is that we don't care that We must be loved because we love ourselves so much. Enough because we love ourselves enough that we have Good physical, mental and financial health for people Who might try to stay in this day or him? Are you having a suspicion that hey, he might Still need acceptance from others because

53:49 He still can't accept himself well enough, so he shouldn't. Let other people see that he has potential because he is If you don't believe that his potential is enough, he might want to Let others see him as someone who has a role. In society, because he is not widely accepted. Is that enough or maybe they even want people to He thinks he has status even though he is in the present. While trying to build a foundation, I thought of something. These are very fine lines. There is no right or wrong, but no one can tell. Besides ourselves, there are people who are happy. There are so many scenes that we don't even know what's behind him. How is he? What has he been through? Or what has he been through? How much suffering is there for those who never tell you that they have it?

54:35 Happiness is just sitting close to each other, no need to talk. We can even feel a slight aura. There are many things which I think are right for you. Panda said that we must not listen to other people's voices at all. Should I stop looking at social media? It may be true in some parts but I believe that if We are stable enough, we know we do. What is it? We will consume it more mindfully. We will know that hey, it's great that this person is going to this project. And then there's an opportunity like this, we'll try it. It's better to go or just be happy for him. There will be no jealousy, but there will be Congratulations again like you are happy for him or something. Like this, it's very different, but

55:21 It's not easy, I think it's not easy because we grew up like this. We grew up in a more social society. Seniors: Yes, but I believe that if we try, Try a little bit because today there is a type What kind of social detox is this? It's hands-off. Don't hold social media for 1 hour or half a day. Something like this which some foreign countries sometimes have. Some countries' libraries say that it's forbidden. Use the internet to stay with the people in front of you. Or just read books because What is it because sometimes we already know that some Too much of it can be harmful. Even more beneficial if we can't separate them. It's the word that Fern already said that it's the end. Ultimately, we need to know ourselves well enough to know what we are doing. What is it? What is our goal? And then wait for it to be on this path as well.

56:07 Same here, what does Fern want to say? With people who are financially exhausted. I tried, maybe I already listened to Fern. I followed Fern and did it but it still didn't work. Until you feel burned out, you may still create I couldn't believe in myself the other day, bro. I just met a teacher who was walking by. Tell me to be like a school administrator. The province said, "Does Ms. Fern know?" When I watch your clips, Fern, I want to turn them off. A lot because it's a painful truth. Pain like retirement planning, Ms. Fern likes it. Teach me how to calculate. How much do I spend per month? Multiply by 12. Multiply the years we will live after retirement. Think about it. Hurry up, Panda uses about the same amount of money in one month.

56:55 When, for example, 20,000. 20,000 * 12 = 240,000, this is for 1 year, uh huh, Panda thought. How long will you stay until you retire? Let's start with the standard, 60, okay? Our life expectancy is 60. Let's say 80. That's too little. Oh, it's definitely Jane Jae Jae, like 90's, but I think so. Take 80 first, or you'll be shocked. 240,000 per year, right? 60-80 = 20 years, correct. It's equal to we have to multiply by 20. It is 4,800,000 The baht we need to use after retirement does not include money Let's think in simple mathematics first. You'll be shocked because if inflation is included, it must be... Multiply by 2, I can tell you right away that it's 70 million, that's all I can say.

57:42 That today the numbers are just this many teachers. That guy told me that he said that whenever he saw it, he wanted to turn it off. I understand that feeling is shocking, but it is what it is. It's true that you can lose your spark, but we haven't yet. We are out of breath, we must keep fighting, but it It's not difficult if we realize it early. I think that's an advantage. The way to make it visible is to put it in a table. Excel calculates it to show you 4 million. Set it at 5 million, which is a rough estimate, but if you want to add it up... Inflation is doubled because we age. It's just not that bad, what happened. It doesn't burn you out because it will make you realize that Well, there's a lot more that we need to collect because Therefore, future happiness is still in sight.

58:29 The happiness in front of you is clearer than buying water today. Delicious today, travel today, fun today, cheap today Shop today, use today, but in 5 or 10 years 20 years, 30 years, 40 years, I don't know if I'll still be alive. Are you there? If I don't, I won't be there anymore. What the heck, but if it's there, my son, it will be there.

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